SmartFinancial, Inc. (SMBK): Price and Financial Metrics

SMBK POWR Grades

• Stability is the dimension where SMBK ranks best; there it ranks ahead of 88.92% of US stocks.
• SMBK's strongest trending metric is Growth; it's been moving down over the last 177 days.
• SMBK's current lowest rank is in the Growth metric (where it is better than 3.58% of US stocks).

SMBK Stock Summary

• The capital turnover (annual revenue relative to shareholder's equity) for SMBK is 0.35 -- better than 25.33% of US stocks.
• Equity multiplier, or assets relative to shareholders' equity, comes in at 10.72 for SMARTFINANCIAL INC; that's greater than it is for 91.28% of US stocks.
• The volatility of SMARTFINANCIAL INC's share price is greater than that of 25.94% US stocks with at least 200 days of trading history.
• Stocks that are quantitatively similar to SMBK, based on their financial statements, market capitalization, and price volatility, are CASS, SMBC, HMNF, HWC, and MCBC.
• Visit SMBK's SEC page to see the company's official filings. To visit the company's web site, go to www.smartfinancialinc.com.

SMBK Valuation Summary

• SMBK's price/sales ratio is 2.3; this is 4.55% higher than that of the median Financial Services stock.
• SMBK's EV/EBIT ratio has moved down 15.1 over the prior 243 months.

Below are key valuation metrics over time for SMBK.

SMBK Growth Metrics

The 5 year price growth rate now stands at -38.2%.
• Its 4 year net income to common stockholders growth rate is now at 382.41%.
• Its year over year price growth rate is now at 6.93%.

SMBK's revenue has moved up $56,891,000 over the prior 33 months.

The table below shows SMBK's growth in key financial areas (numbers in millions of US dollars).

Date	Revenue	Operating Cash Flow	Net Income to Common Stock
2022-09-30	153.487	42.212	36.673
2022-06-30	147.045	43.408	34.73
2022-03-31	140.049	40.786	33.293
2021-12-31	135.71	46.182	34.79
2021-09-30	130.953	52.394	37.164
2021-06-30	122.941	58.97	33.959

SMBK's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.

• SMBK has a Quality Grade of C, ranking ahead of 32.11% of graded US stocks.
• SMBK's asset turnover comes in at 0.035 -- ranking 279th of 428 Banking stocks.
• FULT, SMMF, and COLB are the stocks whose asset turnover ratios are most correlated with SMBK.

The table below shows SMBK's key quality metrics over time.